GROWTH, INCOME, & NO MONEY DOWN!

How to Invest in Mutual Funds to Create Lifetime Income Streams, Increase Your Investment Returns, and Lower Your Risk  

by, Dr. R. Bryan stoker

Mutual Fund investing is boring ...  until now!  

This report will show you how to turn your mutual funds into an exciting stream of income that pays you increasing income every month for the rest of your life.  You don't have to pay anyone commissions or fees.  You won't have to spend hours selecting, switching, and monitoring stocks or mutual funds;  in fact, you normally only need to dedicate 10 minutes or less every month or every quarter.  You will incur much less risk and get higher returns.  Use your new income stream to take exciting trips, send your kids to college, fund your retirement, create your own retirement pension, reduce stress from lack of money, reduce your fear of losing your job or business, buy a boat, move to a larger home in the country, ... whatever you want! 

Best of all, you don't have to stop with just one stream;  create as many as you like and use whatever mutual funds you want!  It's your choice!  You don't have to start a business, recruit or hire anyone, work extra hours after work, time the markets, or research investments.  These powerful techniques depend only on you!  When the markets are up, you make more money.  When the markets are down, you'll get even more excited!  The recent bear market is a tremendous opportunity you need to latch onto now!  It will be worth a fortune to you in the future! 

How do you invest in mutual funds?  Dollar Cost Averaging, Asset Allocation, Buy & Hold?  If you want growth, income, and higher returns, there is a better way!  Techniques for investing in mutual funds haven't changed much over the last 15 to 20 years ... until now!  Basically, your options for the last 20 years have been the following:

• Buy and hold
• Buy shares every month
• Diversify across mutual funds, or
• Time the market

Dollar Cost Averaging does not "Buy Low, Sell High", but these techniques Do!

Now, Dr. R. Bryan Stoker reveals a better way ... Dollar Value Averaging for real world mutual funds.  Several years ago, Michael Edleson created a powerful new technique that is more efficient and more profitable than Dollar Cost Averaging.  As Mr. Edleson pointed out, this new technique actually buys when prices are low and sells when share prices are up whereas dollar cost averaging only buys fewer shares when prices are up (dollar cost averaging never sells shares).  In other words, you really do Buy Low, Sell High with this technique.

Now, Dr. Stoker expands Mr. Edleson's discovery and shows you how to build an actual money machine with mutual funds, ... any mutual fund you choose.  Dr. Stoker spent over two and a half years researching these techniques to characterize when, why, and how dollar value averaging outperforms other investment techniques including the effects of real world constraints such as taxes, minimum investment requirements, volatility, and more.  Dr. Stoker's efforts have culminated in simple step-by-step plans published in his new book, GROWTH & INCOME:  How to Build a Mutual Fund Money Machine.  

Through the course of his research, Dr. Stoker also derived a "Hybrid" technique that really supercharges the performance of your mutual fund investments.  You can easily magnify the returns on your investments in less than 10 minutes per month.  GROWTH & INCOME shows, with easy-to-read clarity, how to create an account with continuing growth which produces increasing income even after you have withdrawn all of your money.  Now, that's a money machine!  And it will take you less than ten minutes per month or quarter to implement.

Before we reveal this exciting new technique, let's define a few terms.  These techniques can be used on many different types of investments, but they are a perfect match for mutual funds.

• Mutual Fund:    A mutual fund is a company in which a large group of people pool their money so a full-time professional investment manager (or group of managers) can invest the money on the investors' behalf.  Mutual funds are great for most people because they generally provide outstanding returns on investment with very little time required from each individual investor.  These are many different types of mutual funds.  For example, an S&P500 Index fund would invest in the 500 stocks listed by the Standard & Poor's 500 Index.  Other funds invest in small capitalization stocks, value stocks, bonds, high-dividend stocks, sectors of industry, etc.  There are actually more mutual funds than stocks listed on the New York Stock Exchange!
• Dollar Cost Averaging:    As stated above, dollar cost averaging is a simple effective investment technique where you invest a fixed amount (e.g., $100) per month.  The power behind dollar cost averaging is you buy more when prices are down, and you buy less when prices are up.  Hence, your average cost per share is lower.  The only downside to dollar cost averaging is there is no plan for selling to take profits;  whether prices go up or down, you still buy more.
• Dollar Value Averaging:    The goal with dollar value averaging is to grow your account balance by a fixed amount (e.g., $100) per month regardless of whether prices increase or decrease.  If prices are down, you buy more.   If prices are up, you buy fewer shares, or you may actually sell shares to take profits if your account balance exceeds your target for that month.

As stated above, the goal for dollar value averaging is to grow your mutual fund balance by a fixed amount per month or quarter.  For example, if you open an account with $1,000 and you want it to grow by $100 per month, you buy and sell shares of your mutual fund to make the balance grow as shown below:

Now, let's assume your balance at month number four is $1,325;  you would only invest $75 that month to bring the balance up to $1,400.  On the other hand, if share prices have risen and the balance is $1,450, you withdraw $50 instead.

Eventually, the balance will grow to the point where a small increase in share price will consistently exceed your monthly growth target, and your account will become a source of income which increases as time progresses.  Furthermore, as you take profits from this account, your basis in the investment decreases which reduces your risk and enhances your holding period return on investment.  In fact, you will eventually take out all the money you ever invested in the account;  now, you have an account that grows linearly in value every month, produces monthly income that grows exponentially, and yet none of your own money is invested!  Once your account steadily produces income, you can either reinvest the income elsewhere, spend the money, retire, or whatever you want!

In GROWTH & INCOME, Dr. Stoker also shows you how to modify the technique so your account value grows exponentially as well as your income.  Even after taxes, these new techniques vastly out-perform "Buy & Hold" and "Dollar Cost Averaging."  However, Dr. Stoker will also show you how to minimize or even eliminate taxes altogether on these techniques.

How many money machines could you afford to own if you had none of your own money invested?  Dr. Stoker's new book, GROWTH & INCOME:  How to Build a Mutual Fund Money Machine, provides simple worksheets that make it easy to do, and you can do it in less than ten minutes per month.  Of course, there are many other details you need to consider in using dollar value averaging:

• Which fund is best for dollar value averaging?
• How do you find the best fund for you?
• Which funds should you avoid when dollar value averaging? 
• Is a more aggressive (i.e., volatile) fund better?
• How do you reduce or eliminate the tax bite when you dollar value average?
• What do you do when the fund limits the number of exchanges per year?
• What do you do if you don't have any enough money to invest this month?
• How often should you adjust your balances?
• Is it better to make a large initial investment or invest more per month?
• How large should your monthly growth target be?
• What if the technique says invest $68, but the minimum investment required by the mutual fund is $100?

All these questions and more are answered in Dr. Stoker's new book, GROWTH & INCOME:  How to Build a Mutual Fund Money Machine. using actual historical results.  In fact, all these details are designed into his easy-to-use worksheets so you don't even have to think about them.

GROWTH & INCOME also covers these other important questions:

• How to accelerate your performance ... with Less Risk ... using Dr. Stoker's revolutionary Hybrid Technique.
• How to accelerate growth by implementing a " Growth Factor".
• How to find money you didn't know you had.
• How to receive three times your salary when you retire early
• How to get the largest retirement wealth/income as possible.
• How to make your retirement wealth last the rest of your life ... and then some.
• Which retirement investments should you use, ... and which ones should you avoid like the plaque
• The best investments for you whether you are in school, graduating college or high school, middle-aged with kids, retiring in five years, retired now, disabled, or unemployed.
• How to open an Individual Retirement Account (IRA) for your five-year old without paying Social Security taxes or getting them a job.  This little secret alone could make your child or grandchild a millionaire!

If you are new to investing and don't know anything about mutual funds, don't worry.  Dr. Stoker covers all the basics too.  You'll discover what mutual funds are, how they work, how to select them, and how to invest in them.

A Few Final Thoughts ...

America is in the midst of financial revolution!  More and more companies are replacing pensions with 401(k)'s, reducing benefits, and even incentivizing people to jump from company to company.  The Government is increasing taxes on Social Security benefits and raising FICA taxes.  Companies everywhere have been laying people off for years;  even the Federal Government is downsizing!   Americans can't rely on their employers anymore;  they now have to plan for their own financial futures!  Now, it's time to take care of your future!!  The time bomb is ticking ... Don't settle for a Social Security retirement;   you deserve better than that.  You have the key to your future in your hands right now;  don't let it slip through your fingers.  

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